Sending money through Facebook Messenger: What you NEED to know
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What you need to know about Facebook Messenger’s payment system

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Facebook is everywhere. Since 2015, its payment system has been too.

Facebook has attempted to solve a problem we’ve all experienced: Splitting drinks among colleagues after work or forgetting to pay your roommate after sharing an Uber back home.

Facebook Messenger now combines transferring money with its familiar messaging system for easy payments to friends and family in your network, but only if you live in the United States, the United Kingdom or France.

How do I request and send money through Facebook?

1. Create or sign into your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.

2. Start your transfer. Create a new message and click the dollar sign at lower right. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. You can transfer money between other Facebook users only.

step 2a facebook money transfer

step 2b facebook money transfer
3. Add your debit card. Enter your debit card info and click Pay. Your money will be withdrawn and sent directly to your recipient’s debit account as soon as your bank approves the transaction.

step 3 facebook money transfer

What happens when someone sends or requests money from me?

1. You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.

2. Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked debit account. If you deny it, the person who requested the money will receive notification.

step 2 facebook money transfer request details

3. Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked debit account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.

Is Facebook’s payment system safe?

Because Facebook allows payment and receipt through debit card only, the Payment Card Security Industry Security Standards Council, which rates the safety of credit card transactions, does not give Facebook a security rating. However, Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015. To safeguard your money and transaction details, Facebook encrypts payments and user information. It also requires you to confirm your identity at times, either with personal information or PINs.

Like other similar services, Facebook’s payment system is susceptible to scams. Avoid clicking on links in messages from people you do not know or pay people you have not met in person.

Tips to keep your finances safe on Facebook

If you decide to eventually use Facebook for managing your money, consider the following tips.

  • Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
  • Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue, without prior discussion. That person’s Messenger account could have been hacked, so make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
  • Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, it would be smart to send it using a different app or platform so that your information can’t be easily compromised by any single app or website.

Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.


  • Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
  • Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.


  • Limited to debit cards. Facebook doesn’t allow payment by credit card or integration with PayPal.
  • Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
  • Businesses can’t use it. Facebook supports personal transactions between family and friends only.
  • Only available in select countries. As of this writing, you can only send or receive payments through Facebook if you live in the United States, the United Kingdom or France.
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133 Responses

  1. Default Gravatar
    TiLaunaJuly 20, 2018

    Does the person I send money to on messenger have to have a debit card to receive it?

    • finder Customer Care
      JhezelynJuly 20, 2018Staff

      Hello TiLauna,

      Thank you for your comment.

      To send and receive money, add a debit card to Facebook Messenger, hence, the recipient must have a debit card to receive it. Kindly check the steps above for the steps on how to go about sending and receiving money through messenger.


  2. Default Gravatar
    TessaJuly 18, 2018

    So i am trying to receive money and I am trying to use my visa Walmart card and it is saying I can’t why

    • finder Customer Care
      nikkiangcoJuly 19, 2018Staff

      Hi Tessa,

      Thanks for getting in touch with finder.

      Sorry to hear you’re having difficulty receiving money through your Walmart Visa Card. Unfortunately, only US bank-issued credit cards are allowed to receive payments using Facebook Pay.

      Hope this clarifies!


  3. Default Gravatar
    JustinJuly 18, 2018

    So I had money sent to me. But card had to be canceled due to activity. So since I won’t get this card tell after the money expires does the money go back to then senders account?

    • finder Customer Care
      BellaJuly 18, 2018Staff

      Thank you for your comment.

      Any canceled payments sent in Messenger will be refunded to sender’s debit card, typically within 3-5 business days.

      If you have any further questions about canceled payments, please visit the Facebook Messenger help center as you may need to fill out a form so they can start with their research.

      Kind regards,

  4. Default Gravatar
    PRASHANTJuly 18, 2018

    Can u tell me that I have send the money to the person with fb messanger but the person fraud with me. So get the money. So can i check his bank details anywhere so I can claim for that

    • finder Customer Care
      joelmarceloJuly 18, 2018Staff

      Hi Prashant,

      Thanks for leaving a question on finder.

      Unfotunately, you can not cancel money after you send it in a message. When you transfer the payment, the money is automatically taken out of your account and sent to your friend, which is why it cannot be cancelled.

      However, if you accidentally send money to someone in a message, you can do one of the following:

      – Ask them to send the money back.
      – Ask them to decline the money if they haven’t linked a debit card or PayPal account to their account yet. If the payment isn’t accepted after 7 days, it’ll be automatically canceled.
      – Require a password/PIN each time you send money so you can review your transaction before sending.

      Hope this gets resolved soon and I’m sorry you have to go through this. You can also report his profile in Facebook as a scammer so he gets blocked.


  5. Default Gravatar
    BrookeJuly 17, 2018

    When using Facebook pay and you do not receive an item you are paying for is there a system to file a claim to get your money back?

    • finder Customer Care
      joelmarceloJuly 18, 2018Staff

      Hi Brooke,

      Thanks for leaving a question on finder.

      To request a refund for something you’ve purchased from a Page on Facebook, click in the top right of Facebook and select Settings.
      – Click Payments in the left column.
      – Click the item you want a refund for.
      – Click Contact Seller.
      – Fill out the form and click Send.

      I hope this gets resolved soon.


  6. Default Gravatar
    CorleyJuly 17, 2018

    Are prepaid cards available for use in this system? I have a regular debit card as well as paypal but the person I need to send to only has a prepaid card…

    • finder Customer Care
      nikkiangcoJuly 17, 2018Staff

      Hi Corley!

      Thanks for getting in touch with the finder.

      You are only allowed to use a US issued debit/credit card or Paypal to send money through facebook. On the receiver’s end, he/she needs to have a US issued debit card and/or Paypal account.

      Hope this helps!


  7. Default Gravatar
    AnthonyJuly 16, 2018

    I sent someone money through messenger yesterday. It’s been nearly 24 hours and it still says pending. We’ve both added debit cards now. Why isn’t she recieving it?

    • finder Customer Care
      joelmarceloJuly 17, 2018Staff

      Hi Anthony,

      Thanks for leaving a question on finder.

      Facebook takes your security very seriously and verifies information about people sending and receiving money before processing payments. Most payments will be reviewed within 24 hours. Over 99% of payment transfers will be processed immediately and payments pending will be reviewed within 24 hours
      Once a payment is reviewed and processed, money is transferred right away to your account, but your bank may take up to 5 business days to post it to your account.

      If your payment is still pending after 24 hours, you will have contact Facebook directly by going to their help page.


  8. Default Gravatar
    ShakiJuly 14, 2018

    I sent money and I was not received how is this fixed? The money was taken from my account.

    • finder Customer Care
      JhezelynJuly 19, 2018Staff

      Hello Shaki,

      Thank you for your comment.

      Please note that it may take up to 3 days for the money to reflect in your recipient’s bank. If the payment isn’t accepted after 7 days, it’ll automatically be canceled and may take up to 3-5 business days to make it available to you. You may also contact Facebook Messenger’s customer service team for more details.


  9. Default Gravatar
    LarryJuly 13, 2018

    Hi, I sent a friend some money thru fb the other day but apparently she had the wrong card number on file. How do I find out where it went and get it ti said he right person.?

    • finder Customer Care
      joelmarceloJuly 13, 2018Staff

      Hi Larry,

      Thanks for leaving a question on finder.

      If your friend sent you money to an invalid debit card, the payment will be automatically canceled after 14 days. Any canceled payments sent in Messenger will be refunded to his debit card, typically within 3-5 business days.


  10. Default Gravatar
    AngelJuly 11, 2018


    My friend sent me money through Fb msg but it was completed(sent) to a card that I no longer have open…. where was this money sent or who should I call ?

    • finder Customer Care
      joelmarceloJuly 12, 2018Staff

      Hi Angel,

      Thanks for leaving a question on finder.

      If your friend sent you money to a closed debit card, the payment will be automatically canceled after 14 days. Any canceled payments sent in Messenger will be refunded to his debit card, typically within 3-5 business days.


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